Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (6.3) profitability.
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 10.3. A current level of 0.3 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Comm re (37%), home mtgs (14%), comm loans (11%), securities (11%), cash (6%), home eq lns (2%), consumer loans (0%), other (19%)
States with Branches:
OK, TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Grand Capital Corporation
Investment Rating
--
Address
2642 East 21st Street
Tulsa, OK 74114
Tulsa, OK 74114
Phone Number
(918) 491-9700
Year Founded
1975
FDIC Number
Website
Largest Affiliates
No affiliate information available.